Typical Client | Individuals & families that prefer theconvenience of copays for primary and specialist care office visits and prescription drug costs | Those seeking more control of their healh care dollars and don't mind paying a little more upfront in exchange for lower premiums. Option to use tax-advantaged dollars to cover eligible health care expenses | Those seeking coverage for a medical emergency or surgery. Plans provide coverage ONLY when in conjunction with an inpatient hospital stay or surgery | Bridges the gap for those in between coverage. Typically 1-6 months in length & suited to someone in a "waiting period" for coverage with an eligible group plan |
Typical Cost | Highest - plans richer in benefits will carry higher premiums in exchange for lower out of pocket expenses when utilized. Copays provide the reassurance of "predictable costs" | Average - lower premiums are offered in exchange for clients paying for basic costs as part of their deductible. Expenses are subject to "network repricing" ensuring you only pay the insurance company's contracted rate with the provider | Lowest - these plans ONLY provide for expenses if incurred as part of an inpatient hospitalization or are directly assoicated to surgery. | *Not intended to be used as a pemanent plan of insurance. Generally only 2 certificates maximum can be issued. |